Credit union · NCUA insured
Hanscom Federal Credit Union Auto Loan Rates
Top CarrotHanscom Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 15, 2026.
How Hanscom Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Hanscom Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
Car, Truck and SUV Loans
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
3rd-lowest rate
Luso American Credit Union
3.99%APR
- Terms
- —
Hanscom Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hanscom Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Car, Truck and SUV Loans
Finance up to 120% of the purchase price for qualified borrowers. Lowest advertised APRs assume a credit score of 700 or greater, underwriting approval, and qualification for all available discounts (0.25% Hybrid/EV discount, 0.25% Active Military or First Responder discount, and up to 1.00% discount for LTV below 60%). No application or title transfer fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 3.99% | Applicable to 2024-2026 model year vehicles for terms up to 66 months. Lowest rate assumes base APR of 5.49% minus maximum discounts (0.25% Hybrid/EV, 0.25% Active Military/First Responder, up to 1.00% for LTV below 60%) and credit score 700+. |
| up to 78 months | 4.49% | Applicable to 2024-2026 model year vehicles for terms up to 78 months. Lowest rate assumes credit score 700+ and qualification for all available discounts. |
| up to 84 months | 5.19% | Applicable to 2024-2026 model year vehicles for terms up to 84 months. Lowest rate assumes credit score 700+ and qualification for all available discounts. |
| up to 66 months | 4.39% | Applicable to 2020-2023 model year vehicles for terms up to 66 months. Lowest rate assumes credit score 700+ and qualification for all available discounts. |
| up to 78 months | 4.89% | Applicable to 2020-2023 model year vehicles for terms up to 78 months. Lowest rate assumes credit score 700+ and qualification for all available discounts. |
| up to 84 months | 5.59% | Applicable to 2020-2023 model year vehicles for terms up to 84 months. Lowest rate assumes credit score 700+ and qualification for all available discounts. |
| up to 66 months | 5.09% | Applicable to 2019 and older vehicles for terms up to 66 months. Lowest rate assumes credit score 700+ and qualification for all available discounts. |
| up to 78 months | 5.59% | Applicable to 2019 and older vehicles for terms up to 78 months. Lowest rate assumes credit score 700+ and qualification for all available discounts. |
| up to 84 months | 6.59% | Applicable to 2019 and older vehicles for terms up to 84 months. Lowest rate assumes credit score 700+ and qualification for all available discounts. |
Sources (3)
All captured Oct 5, 2026
Who can join Hanscom Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to employees, volunteers, and retirees of companies offering Hanscom FCU as a benefit.
- Membership is available to members of Hanscom FCU partner organizations.
Military, government and schools
- Membership is open to active or retired employees of the federal government in Massachusetts.
- Membership is open to active duty or retired military personnel.
Family and household
- Membership is open to individuals who have an immediate family member who is a current member.
Other ways
- Existing members may open additional accounts.
Membership information collected October 5, 2026.